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Refi after forclosure started but redeemed.

So in 10/2010 we redeemed our loan out of foreclosure and have since been current with all of our payments. We don't qualify for for harp refi because of our original loan product, at least that is what I've been told multiple times. When will be able to refi like a normal person? Everyone takes one look at the history and says this is the same as a full foreclosure.
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November 30 2012 - Columbia
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FHA has a waiting period of 3 years, Fannie and Freddie have a waiting period of 7 years.
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November 30 2012
 
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